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Ken Eitelman

Proud to live in Saratoga County. With 21 years of residential real estate experience, Ken Eitelman has become a Clifton Park area "Go to" agent with a consistent reputation for tenaciously protecting his clients' interests. Savvy negotiations and cutting edge marketing strategies join uncompromising integrity as the hallmark of Ken's service. Ken is exceptionally well-respected in Clifton Park not only for his unparalleled professional track record and high ethical standards but for being an honest, hard-working family man who does absolutely everything in his power to ensure his clients' success.

Thankful for his exceptionally loyal clientele, personal referrals and repeat business from the foundation of Ken's career.

Please call Ken anytime without obligation. He is ready to go to work for you today.

Expertise:

Residential property sales including fine homes, Condominiums and income properties.

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EducationHelpful Tips - Buyer

www.ColdwellBankerPrime.com/Ken.Eitelman

7 Helpful Tips for First-time Home Buyers

By Bill Gassett

RISMEDIA, Monday, October 27, 2014—
Looking for a new home can be a pretty exciting task. With
that much money on the line, it’s worthwhile to read up on the process
before you set out. Unnecessary mistakes can—and should—be avoided while
trying to get the best deal for your money. As a first-time homebuyer,
proper guidance from seasoned professionals can make all the difference.

Here are a few tips first-time buyers can use when trying to find their first home:

1. Get clear on what you want – This is the most
important part of your preparation. You are about to enter a shopping
experience that is unlike any other. At times, it can be stressful and
difficult. There is a lot of money on the line and a big commitment to
be made, so prepare accordingly. Get clear on what you really want and
what you are willing to compromise on. This will make your home-shopping
experience much more efficient and will give you a map to go off of
should tensions run high. The better prepared you are, the better chance
of having a smooth transaction.

2. Do your research – Home shoppers today are more
empowered than ever before. You have so much information at your
fingertips. Go online and find the areas you want to live in. Narrow
down the neighborhoods you want to consider to three or four, and focus
on those. Learn about the cost of the things you really want and the
cost of the things you can do without. The more knowledgeable you are,
the better you will be at negotiating a good deal.

3. Talk to the bank – Preparing to get a mortgage in
advance of your actual purchase will be super important. Before you
start looking at houses, have a discussion with your lender. The lender
will be able to give you an honest assessment of what your finances look
like, how much house you can afford and what your rates will be. You
want to know all of this—what it will really cost you—before you start
looking at homes you can’t actually afford. Find out what your monthly
payment will be at different rates and determine what your personal
limits are as well. Depending on your credit, the lender may be willing
to give you far more than you need. Once you know the time is right to
buy a home, make sure you get pre-approved by a lender. Make sure you
understand the difference between getting pre-approved and pre-qualified
for a mortgage. Without a doubt, you will want to get pre-approved, as a
pre-qualification letter is not worth much. A savvy REALTOR®
representing a homeowner will pick up on this right away. If you are
competing with other buyers and are not financially prepared, you could
lose out on your dream home.4. Think about the future – Is this going to be a starter house
that you will move out of in five years? Is it going to be a property
that you fix up and flip? Is it going to be the home for your new family
that you will be in for 10 or 20 years? Your long-term plans will help
dictate your purchasing choices. It is important to understand what you
really want this home for before you go and sign any papers and spend
any money. One of the biggest mistakes first-time homebuyers make is not
thinking about their long-term plans.

5. Find a good REALTOR® – A real estate agent can prove
invaluable when shopping for a home. If you find one that is good—an
agent that is finding people the homes they want at a price they are
happy with—then much of the work will be done for you. The agent will
talk about what you want, will run you through much of the above
mentioned areas and will help you find the houses that are really what
you are looking for. The agent will also be an effective negotiator,
meaning that you will probably get more house for your money than if you
went at it alone.

6. Set a timeline – The situation you are in is
uniquely your own. You want to set a timeline for when you will find and
buy home—a timeline that reflects your realities. If you have bad
credit that needs to be cleaned up first, for instance, you will need to
spend some time working on that before you actually start house
hunting. If you need to move right now, that is another factor in your
timeline. Give yourself some restrictions so you will be encouraged to
move at a steady pace and get the job done. Hunting for a house can be
quite stressful and it is not something that should be drawn out any
more than necessary. Determine what you want, work with a REALTOR®, and
get it
as efficiently as possible.

7. Understand your fiscal responsibility – Another
problem that first-time homebuyers don’t always properly think through
is the financial responsibility of owning a home. A large amount of
buyers will think about making their mortgage payments and nothing else.
If you have been renting for a while, or even living with mom and dad,
it is easy to see why this can happen. Unfortunately, owning a home
comes with quite a few more first-time home expenses that you may not
have considered, such as appliances, furniture, and even taxes and
insurance. These are all important things to consider when putting
together your home buying budget.

Use all of the above tips for finding your first home and you will be
well on your way to enjoying your new life as a homeowner.

Bill Gassett is a nationally recognized real estate leader who has
been helping people move in and out of the Metrowest Massachusetts area
for the past 27-plus years. He has been one of the top RE/MAX REALTORS®
in New England for the past decade. In 2013, he was the No. 1 RE/MAX
agent in Massachusetts.
This article originally appeared on RISMedia’s blog, Housecall.

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Ken Eitelman

Proud to live in Saratoga County. With 21 years of residential real estate experience, Ken Eitelman has become a Clifton Park area "Go to" agent with a consistent reputation for tenaciously protecting his clients' interests. Savvy negotiations and cutting edge marketing strategies join uncompromising integrity as the hallmark of Ken's service. Ken is exceptionally well-respected in Clifton Park not only for his unparalleled professional track record and high ethical standards but for being an honest, hard-working family man who does absolutely everything in his power to ensure his clients' success.

Thankful for his exceptionally loyal clientele, personal referrals and repeat business from the foundation of Ken's career.

Please call Ken anytime without obligation. He is ready to go to work for you today.

Expertise:

Residential property sales including fine homes, Condominiums and income properties.

Testimonials - Luv em

Hi Ken, Just
wanted to say thank you for the gift certificate. Because my son
helped me so much in getting the house ready I'm going to take him out
for dinner. I know we will both enjoy it.

I also want to say
thank you for making the sale of my house so fast and easy. My concern
all along was, how long would it take? I'm sure we came close to a
record. Even the attorneys were surprised.

If anyone asked for a reference I certainly would not hesitate to give them your name. You made it quick, easy, and painless.

Sincerily Joan Clifton Park NY

******

Dear Ken,

Thanks
so much for your help in selling our house and also for the delicious
fruit we are now enjoying. The pears were great and the plums are
equally as good!

Again, thank you for your help and the thoughtful gift. Both were very appreciated!

With our thanks, Frank and Ann Clifton Park NY

******

When
buying and or selling a house you want the experience to be as painless
as possible. Ken Eitelman made the process just that. We are so glad
that we chose him to be our agent. He was very helpful and cared about
our needs and wants. We are very pleased with his service and would
recomend him to anyone.

You did a great job for us, if there is anything else you need let us know. We are loving our house!

April and Steve Scotia / Gloversville

******

Pleased,

Recently, I purchased a home in Mechanicville, NY through Ken Eitelman of Realty USA.

Upon
seeing this home I realized it was what I was looking for. I asked Ken
if he would represent me in selling my home in Clifton Park which is a
little unusual, since he represented the people whose house I was
interested in buying in Mechanicville.

Needless to say I have a
high regard for Ken Eitelman of Realty USA. Everything went along so
quickley and smoothly. My home sold in Clifton Park within a week at my
asking price. I was so relieved since I really wanted to purchase the
home in Mechanicville.

My thanks again to Ken Eitelman of Realty USA.

Sincerely,

Elizabeth M.

****** Hi, Ken. I
sent the e-mail below to a colleague of mine.... please use any/all in
testimonials, or any other reference... Feel free to contact me if
additional language required, etc.

The house is great... we're
really enjoying our new home... .the neighborhood is great.... close to
the newer shops in Clifton Park... attended some intro sessions at
Iraqois Junior High... very impressed with teachers and staff.

Linda
and I went to Saratoga Springs Race Track last Thursday for a work
get-together.... what a wonderful place.. we had a great time...(didn't
lose too much :-)

Hope all is going well with you... hope to
see you around... I'm due for a haircut soon, so I'll be checking out
the Barber you recommended...

Michael, Ken
Eitelman worked very diligently for us... I started working with him
last Fall and he showed my about 5 - 7 homes at that time, knowing I
wouldn't be ready to buy for 6 - 8 months... He put us on a list where
we received home listings that went on the market, including pictures
and the house specs...He spent 2 or 3 days with my wife and I each of
our NY visits (before Memorial Day and before 4th of July)
we saw a total of about 40 houses.... He raised his family in
Niskayuna, so he knows area very well... he gets excited when he sees
Niskayuna school sports items or Diplomas in rooms of homes we saw.

I strongly recommed using him as Realtor (see contact info below). If you do work with him, please mention my family and I say "Hi".

Some of the listing information contained herein has been provided by WCARMLS.

Data provided by Columbia Greene Northern Dutchess MLS Inc.

All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal.
Neither broker(s), agent(s) nor WhereToLive.com, Inc. shall be responsible for any typographical errors,
misinformation or misprints, and shall be held totally harmless.